Lowells a few months ago chasing a debt of £334.56 from Redcats Finance

[Ronnie1234]

Home Shopping Direct companies have agreed reduced payments but are still charging interest.

 

Next has stopped interest and agreed reduced monthly payments.

 

Studio have agreed the £10 a month

 

Think when I start maternity leave I will write again enclosing an I&E stating I can only afford £10 a week per creditor

[Ronnie1234]

I notice one of the Home Shopping Directs monthly payments is £42.00, of which £26.00 is the service charge, so only paying off £16.00 a month of the outstanding balance!! This could take forever! I presume the other Home Shopping Direct accounts are charging similar percentages!

[Ronnie1234]

I have set up payment arrangements with my catalogue companies explaining that I will be going on maternity leave and won't be able to pay the full monthly payments due once my maternity leave starts. By the time maternity leave starts I would have been in these arrangements for 5/6 months.

 

Once I am on maternity leave I won't even be able to meet these reduced payments, so was going to write to the closer to the time with an I&E showing I can basically afford £5 / £10 a week per creditor. Is this the right way to go about this?

 

Just planing ahead, thought I would do the letters ready to post closer to the time.

[rebel11]

Thread moved.

[Ronnie1234]

I have set up payment arrangements with my catalogue companies explaining that I will be going on maternity leave and won't be able to pay the full monthly payments due once my maternity leave starts. By the time maternity leave starts I would have been in these arrangements for 5/6 months.

 

Once I am on maternity leave I won't even be able to meet these reduced payments, so was going to write to the closer to the time with an I&E showing I can basically afford £5 / £10 a month per creditor. Is this the right way to go about this?

 

At present only Studio & Next have stopped interest. JD Williams accounts have reduced payments but not stopped interest!

 

Just planning ahead, thought I would do the letters ready to post closer to the time.

[Ronnie1234]

Am ready to start writing / e-mailing creditors now. Where can I find a I&E form to use?

[Ronnie1234]

Am ready to start sending I&E forms now explaining that I'm starting maternity leave and can now only afford £5 / £10 a month per creditor, where do I find the I&E form to use?

[silverfox1961]

Hi again

National Debtline do one

http://www.nationaldebtline.co.uk/england_wales/budget_sheet.php?country=england_wales

 

There are also a couple of budget planners HERE

 

Remember, You are after them to stop the interest and charges and to accept reduced payments for the time being. If they refuse to treat you fairly, you must complain.

[Ronnie1234]

Thank you. Going to start sending them off today, not sure how well it will go down, but at least I am offering to pay something!

[Ronnie1234]

Next have come back and declined my offer, but said they can accept £29.00 per month and will freeze interest and charges.

[Ronnie1234]

Have agreed to Next payment for next three months.

 

The other creditors I e-mailed (JD Williams companies) with my I&E form, they never answered, chased up, they have e-mailed back today asking if I can call them where an account manager will try to help, they are unable to accept further e-mails regarding my account

[Ronnie1234]

Received letter from Lowells regarding a debt they've purchased from Redcats Finance of £127.92. In the letter they enclose copy catalogue statements.

 

Should I CCA request? Or hold my hands up to this & pay?

[padja]

can you give us more details? one point if I sent you a letter saying pay me £127.92 and pulled together some statements would you pay me??? if its no why would you pay them?

[Ronnie1234]

Catalogue debt from 2007. Occurred at my parents address, but seems they've tracked me down to new address (well i've been here 3 years)

[maroondevo52]

Hi, Ronnie.

 

Any charges you could re-claim ?

[BRIGADIER2JCS]

Can you remember when you laat made a payment or

acknowledged the account?

[Ronnie1234]

Two charges of £15.00

 

Looking at their statements, I made two orders, no payments

[BRIGADIER2JCS]

So Lowell are getting out of their box for £112 + charges they must

be BL**DY desperate:madgrin:

 

Put them through every hoop of the prove it and CCA process.

[Ronnie1234]

Received a letter from Lowell basicaly saying that the balance realtes to an Empire Stores account opened on 8th April 2007.

 

Notice of assignment was sent in writing on 14th June 2010.

 

Statements were sent on 15th July 2011

 

They have requested copy of agreement from original creditor & they are still awaiting receipt of it

[Ronnie1234]

Received letter from Lowell, saying they are now entitled to receive payment of £127.92 and enclose a copy of the agreement as requested.

 

Enclosed is a credit agreement but I have not signed it

[unclebulgaria67]

I have noticed from your postings history that you tend to set up a new thread each time you receive a batch of communications. If you want to find an old thread, if you click on your CAG user name, you will find all your previous posts. In your post history, you will find that you have previously mentioned this debt. Also in your separate Lowell/Three thread, you had mentioned the Three debt back in 2009 in a previous thread.

 

I don't know whether it helps others on this site, but I prefer to see the history of debt collection under one thread, so you see what has happened with a debt. If the information is spread out on many different threads, it can be a little confusing and can cause duplication or worse wrong advice being offered.

 

In regard to the query on this thread about the CCA not being signed, I am not sure this is a problem in terms of them taking you to court, given the date you took out the account. I think the changes to the Consumer Credit Act that came into force just before you took out the account, mean that they just need to evidence that the debt exists. BUT given the amount of the debt, perhaps this is not a priority to them, as even if they took it to court, it would probably not be economical for them to do so.

[Ronnie1234]

Sorry, I need to pay more attention to my previous posts!

[BRIGADIER2JCS]

Is the this a recon ie. T's & C's with no

boxes to fill or just a blank for post it up if you can,so people

can advise on the validity.

[Ronnie1234]

I will try & scan it up, last time I tried to scan onto this website it wouldn't work.

 

The form has blank boxes on it

[BRIGADIER2JCS]

Does it contain all the terms and conditions, interest rates etc.?